I’m from Texas and I’m considering getting renters insurance through Progressive. Can anyone here tell me what Progressive renters insurance typically covers? I’m curious about things like personal property coverage, liability protection, and any additional benefits that might be included. Any insights or experiences you can share would be really helpful.
Progressive renters insurance usually covers these things:
- Your stuff (personal property coverage)
- Legal costs if someone sues you (liability coverage)
- Medical bills if someone gets hurt at your place (medical payments coverage)
It also covers theft, vandalism, and damage from bad weather when you’re moving. But it doesn’t cover accidents while you’re packing or moving, whether you hired movers or not.
In today’s environment, it’s essential to have some protection. @sniddes, if you’re living in Texas and renting a home, Progressive renters insurance might be suitable for you because it offers coverage for:
- Personal Property Coverage: furniture, electronics, and clothes
2 Liability Protection: Provides liability coverage if someone is accidentally injured at your rental property and sues you.
But keep in mind @Alex great tip, also it does cover the following
- Vehicle Damage: Any damage to vehicles you own is excluded.
Pest Damage - Damage from insects, rats, mice, etc. is typically not a covered peril.
All you can do is to shop around and see the insurance company that suits your needs.
Progressive doesn’t do their renters. They farm it out to the same company that GEICO uses, Homesite.
Comprehensive renters coverage, though limits may apply. Liability, medical payments, and personal property protection important. Moving-related incidents may have exclusions. Reviewing policy details crucial to understand coverage scope.
It’s important to note, however, that the coverage doesn’t extend to accidental damage caused while packing or moving, regardless of whether you hire movers or do it yourself.